Hello, I will try my best to help you with your question. Regarding the situation that your China Merchants Bank credit card is overdue for two months, here is my answer:
1. Concise answer:
Based on the situation you described, I understand that you are currently unable to repay the credit card Arrears. As for whether you will be prosecuted, the specific situation will be determined according to the policies and procedures of China Merchants Bank Credit Card.
2. Detailed description:
1. Credit card debt processing process: After overdue repayment, China Merchants Bank Credit Card will usually take a series of collection measures, including phone collection and text message notifications. , overdue fees, etc. If you still fail to repay the amount you owe, CMB may take legal proceedings to recover the debt.
2. Possibility of prosecution: China Merchants Bank has the right to decide whether to take legal measures to recover the arrears based on the overdue situation, including filing a lawsuit in court. Whether or not to sue will be comprehensively considered based on factors such as the amount owed and the length of overdue payment.
3. Seek solutions: If you really cannot repay the debt, it is recommended that you communicate with China Merchants Bank as soon as possible, explain your dilemma, and try to negotiate a reasonable repayment plan. CMB may consider your actual situation and find a solution.
3. Summary:
Although there is no definite answer to whether you will be sued, but faced with the dilemma of two months overdue credit card, it is important to take active action, communicate with China Merchants Bank and Seek solutions. Negotiating a repayment plan is a viable option.
4.
Extended information:
According to Chinese law, overdue credit cards will involve the handling of civil debts, but the specific situation must be based on the bank's policies and procedures. to decide. Late repayment may cause damage to your credit record and affect your personal credit evaluation. Therefore, timely communication with the bank is an important step to protect personal rights and interests.
Please note that the above suggestions are for reference only. Please contact China Merchants Bank as soon as possible to obtain more accurate information and solutions.